TNEX, a prominent Vietnamese digital bank, has been recognized among the world's top 100 digital banks in the 2026 ranking by TAB Insights. Scoring 29 points, TNEX secured the 65th position, leading all Vietnamese representatives. This prestigious ranking, compiled by TAB Insights—a research unit of TAB Global group—is based on a comprehensive evaluation of digital banking and finance models globally. The assessment considers factors such as: customer quality and scale, product and market coverage, financial performance, balance sheet health, and capital adequacy.
TAB Insights' judging panel highlighted that these results reflect a new trend in the digital finance market. User growth rate is no longer the sole evaluation factor. Instead, digital financial institutions are increasingly valued for their ability to control risk, operational efficiency, and a solid foundation for long-term growth.
A TNEX representative attributed this achievement to the company's significant investments in technology platforms, data analytics, and robust risk management over recent years. Achieving the 65th position demonstrates that TNEX's digital finance model is expanding in scale and progressively meeting international standards for operations and financial efficiency. This positions TNEX to compete effectively in both domestic and regional markets.
 |
TNEX's digital banking application. Photo: TNEX |
TNEX recorded positive business results in 2025. The company increased its charter capital to 1,500 billion VND, strengthening its foundation for operational expansion and capital adequacy. Total assets grew by 84%, and the outstanding balance from digital financial products more than tripled. Revenue from key product groups also saw a 7-fold increase compared to the same period. Furthermore, the early debt ratio decreased by 30% through the strategic application of big data in risk management.
Supported by its parent bank, MSB, TNEX continues to refine its fully online operating model, which operates independently of a physical branch network. Its advanced technology and data platform significantly enhance the customer experience, reducing approval times for various services to approximately 5 seconds.
 |
TNEX integrates various features into its application to serve diverse user needs. Photo: TNEX |
Currently, TNEX serves over 2.6 million users. The company has also expanded strategic partnerships with major entities such as: ZaloPay, Viettel Post, MISA, and KiotViet. These collaborations aim to broaden service accessibility for individual customers and the vibrant community of small and medium-sized businesses.
Looking ahead, a company representative stated that during the 2026-2029 period, TNEX will continue to prioritize a balanced approach between growth, risk control, and operational efficiency. The ultimate goal is to become a strategic growth driver within the broader MSB ecosystem.
(Source: TNEX)
